PHL

This past weekend, the PHL team volunteered at the City Dream Centre in Surrey to spread holiday cheer to underprivileged children in our community. We had the pleasure of volunteering our time to wrap over 2,600 gifts that will be distributed to primary and intermediate students in need at local schools. It was a heartwarming experience to be a part of this initiative and witness the incredible work that the City Dream Centre does to support families in need. We are grateful for the opportunity to give back to our community and make a positive impact on the lives of these children. We would also like to thank the RCMP for their partnership in delivering these gifts to the schools. At PHL, we believe in building a stronger community and empowering individuals to achieve their dreams. We are committed to supporting organizations like the City Dream Centre that share our values and make a real difference in the lives of others. #PHLGivesBack #CityDreamCentre #CommunityImpact #HolidayCheer #SurreyBC #MakingaDifference #TrustedAlly #ReliablePartner

MortEq Lending Corp. is accepting funds for the January 1st share offering. Interested parties must contact us by December 17th at the latest. Don't miss out on your first chance to invest your RRSP or TFSA contributions for 2025! Why MortEq? 🔹Steady Returns: Historically stable returns averaging over 8% annually since inception. (Latest annualized quarterly return of 10.30%*) 🔹Lower Risk Profile: Primarily focuses on first mortgages, minimizing exposure risk. 🔹Diversification: Invest in a diversified portfolio of mortgages in British Columbia, Alberta, and Ontario. 🔹Expert Management: Backed by PHL’s experienced team and rigorous due diligence process. Contact a Dealing Representative today for more information: 👤ravimunday@phlfinancial.com 👤briannaahluwalia@phlfinancial.com 👤kristenpatton@phlfinancial.com *Past performance is not indicative of future results #alternativeinvestments #mortgageinvestment #investing #shareoffering

We're looking for a Mortgage Renewal Analyst to join our supportive and collaborative team in Surrey! In this role, you'll manage mortgage maturities and renewals, collaborate with brokers, and ensure compliance with industry standards. We offer: - Competitive compensation and benefits - Positive and supportive culture - Opportunities for growth and development If you're a motivated and detail-oriented individual with a passion for the mortgage industry, apply now! #hiring #mortgagecareers #realestatefinance #jobopportunity #mortgageanalyst #renewalanalyst

We're pleased to have assisted our clients in securing a $248,000 mortgage on a 2,086 sq. ft. home in Edmonton, AB. The funds will be used to purchase the property. 🔹 Loan Amount: $248,000 🔹 Location: Edmonton, AB 🔹 Loan-to-Value: 69.859% 🔹 Classification: Residential Dwelling - Single family The borrowers plan to develop a 6-plex on the property in the future. Are you or your clients in need of purchase financing? Contact us today to discuss your options. Contact Kevin Cheng: 📧 kevincheng@phlcapital.com 📞 604-579-0846 BC Broker #X030250 | ON Brokerage #13546 Admin #13570 #MortgageMonday #EdmontonRealEstate #PurchaseFinancing #ResidentialMortgage

In today's shifting market, predictability and transparency are more valuable than ever. Discover how PHL's Closed Mortgage Product is helping brokers deliver reliable financing solutions for residential properties across BC, AB, and ON. Swipe through to see how our closed mortgage can make a difference for you and your clients. Connect with us today to explore how we can support your client's lending needs. #MortgageFinancing #RealEstateInvestment #CanadianMortgage #BrokerSupport #PHLCapital #TransparentLending #FixedRates

What does financial success look like for you? As Canadians, we often reflect on what financial success means in our lives. While our perspective is shaped by uniquely Canadian factors—our healthcare system, high cost of living, housing challenges, and social values—universal questions about financial security, happiness, and freedom remain at the core of this topic. A recent study by Empower examining financial success in the U.S. raised some interesting points that resonate beyond borders, prompting us to think about our own definitions and barriers to achieving success. Here are a few key takeaways we can apply here in Canada: 👉 Happiness over wealth: Americans associated financial success with earning $270,000 per year and achieving a net worth of $5.3 million. However, most ranked happiness (59%) as the real benchmark—having the freedom to spend money on meaningful experiences, pursue passions, and enjoy their time. This brings up a question for us: is financial success the number or the freedom it unlocks? 👉 Barriers to success: Both externally and internally, barriers abound. Economic uncertainty, income instability, and lack of financial literacy were seen as significant obstacles. At the same time, challenges like procrastination (26%) and failing to set clear financial goals (28%) hold many people back. Do we face similar hurdles in Canada? How does our system create unique barriers—or opportunities—for us to succeed? 👉 The “tangible wins” of success: Most people view financial success as tangible accomplishments: paying bills on time (63%), owning a home (52%), and being able to afford experiences like travel and entertainment (47%). Within our Canadian context, achieving these “wins” poses distinct challenges. From sky-high housing markets in cities like Vancouver and Toronto to our ongoing inflationary pressures, how do we define success in these areas? The study also emphasized that success isn’t just about individual achievement—it’s about values, priorities, and decisions we make along the way. Whether saving for the future, building a retirement plan, or simply creating space for joy and passion, it’s clear there’s no one-size-fits-all definition of financial success. As Canadians, this leads us to ask some bigger questions: 💬 How do *we* define financial success in our lives? 💡 Are there unique cultural or systemic challenges we face here in Canada that make achieving success easier—or harder? 🌟 Has your version of financial success evolved with time? Read the original study: https://lnkd.in/gtfRUMzR #FinancialSuccess #CanadianPerspective #MoneyTalks #HappinessAndWealth #SharedSuccess

The PHL Holiday Party at Parq Vancouver was nothing short of spectacular! We celebrated the season in style with an incredible buffet, a free-flowing bar, and a dance floor that kept everyone on their feet well into the night. 💃🕺 It was wonderful to see the PHL family come together, bringing their loved ones along to share in the festivities. From heartfelt conversations to memorable moments on the dance floor, this evening was a beautiful reflection of the connections we’ve built over the years. A huge thank-you to everyone who made this event possible and to all who attended—it’s the people who make PHL such a special place to work. Here's to closing the year on a high note and looking ahead to an even more exciting 2025! #PHLHolidayParty #TeamPHL #Celebration #Gratitude #StrongerTogether

We're pleased to have assisted our client in securing a $550,000 mortgage on a 4,712 sq. ft. duplex home in Kelowna, BC. The funds will be used as a downpayment for another purchase. 🔹 Loan Amount: $550,000 🔹 Location: Kelowna, BC 🔹 Loan-to-Value: 29.333% 🔹 Classification: Residential Dwelling - Single family Are you or your clients in need of financing? Contact us today to discuss your options. Contact Kevin Cheng: 📧 kevincheng@phlcapital.com 📞 604-579-0846 BC Broker #X030250 | ON Brokerage #13546 Admin #13570 #MortgageMonday #KelownaRealEstate #ResidentialMortgage

The CRA has confirmed a $7,000 TFSA contribution limit for 2025, bringing the total lifetime contribution room to $102,000 for eligible Canadians who haven't contributed since 2009. With this additional space, you can now invest more without any tax implications. TFSAs are perfect for various savings goals, from education to retirement. They offer: ✅ Tax-free growth potential ✅ Capital gains, dividends, and fixed income free from tax ✅ Flexible withdrawals anytime Using the TFSA strategically alongside your RRSP can maximize your retirement savings while minimizing tax implications. By building up substantial funds in your TFSA, you can make tax-free withdrawals during retirement, complementing your RRSP withdrawals and keeping you in a lower tax bracket. Remember: Contribute wisely and keep an eye on your limits to avoid penalties. Check your available contribution space through CRA’s services: My Account, MyCRA, or TIPS at 1-800-267-6999. Looking for a smart way to grow your savings? Invest in our MortEq fund using your TFSA and gain exposure to stable, income-generating investments in Canadian real estate. Contact a Dealing Representative today for more information: 👤Ravi Munday 👤Brianna Ahluwalia 👤Kristen Patton #TFSA #TFSALimits #2025 #AlternativeInvestment

Yesterday, we hosted our final townhall of the year—a time to reflect on our progress, share exciting plans for the future, and celebrate the amazing PHL team that makes it all possible. But that’s not all… to make the day extra special, we brought in cakes to celebrate November and December birthdays! 🎂 These moments of connection remind us of how far we've come this year and energize us for the road ahead. Here's to teamwork, growth, and plenty of sweet successes in 2024! Thank you to everyone who made this year incredible. Let’s keep building something extraordinary together. #TeamPHL #YearInReview #Celebration #CompanyCulture